Private bank
ICICI Bank
A leading private bank with a full suite of retail and business lending products and an emphasis on digital processing.
Best for: Home buyers in approved projects and businesses needing working capital lines.
Apply with pre-screening
We check your profile against ICICI Bank's policy and others on the panel before any application.
Typical strengths
- Digital sanction for existing customers
- Competitive home loan rates for approved projects
- Strong MSME and working capital programmes
Interest rates, fees and eligibility shown on this site are indicative, vary by lender and borrower profile, and are subject to change without notice. Always read the lender's Key Fact Statement (KFS) before signing. Loan approval and terms are decided solely by ICICI Bank under its credit policy.
Products
What we arrange with ICICI Bank
- Personal Loan
- Home Loan
- Business Loan
- Loan Against Property
- Car Loan
- Education Loan
- Gold Loan
- Working Capital - OD / CC
- Home Loan Balance Transfer
Personal Loan
Collateral-free personal loans from ₹50,000 to ₹50 lakh at rates starting around 10.25% p.a., with disbursal typically within 48 hours of approval.
- Rate from
- 10.25% p.a.
- Up to
- ₹50 L
Home Loan
Home loans from ₹5 lakh to ₹10 crore at floating rates from about 7.35% p.a., with up to 90% funding and tenures up to 30 years, across banks and housing finance companies.
- Rate from
- 7.35% p.a.
- Up to
- ₹10 Cr
Business Loan
Unsecured business loans from ₹2 lakh to ₹1 crore for proprietors, partnerships and companies, at rates from about 14% p.a., with tenures up to 5 years and minimal collateral requirements.
- Rate from
- 14.00% p.a.
- Up to
- ₹1 Cr
Loan Against Property
Loans against residential, commercial or industrial property from ₹10 lakh to ₹15 crore at rates from about 8.75% p.a., with tenures up to 15 to 20 years and funding up to 70% of market value.
- Rate from
- 8.75% p.a.
- Up to
- ₹15 Cr
Our read
Where ICICI Bank fits
ICICI Bank is usually our first look for a home purchase in a project the bank has already approved. Where the builder and tower are pre-cleared, the legal and technical work is largely done, and a file that would otherwise take weeks can move considerably faster. Ask us to check the approved-project list before you commit to a booking date.
On the business side the bank runs structured working capital and MSME programmes rather than case-by-case lending, which suits a company with audited accounts and consistent banking. Digital sanction is genuinely quick for existing customers, though the speed comes from data the bank already holds, so a new-to-bank applicant should expect an ordinary timeline.
Worth knowing
- The advantage largely disappears outside approved projects, where a resale or an older building can face a slower legal and technical review.
- Business programmes expect clean, audited financials; a firm with informal books is usually a poor fit here.
Our assessment, not a statement of ICICI Bank’s policy. Terms are set by the lender and can change.
Questions
ICICI Bank: common questions
What is an approved project and why does it matter?
It is a development the bank has already vetted for title and construction quality. Buying in one removes most of the legal and technical review from your file, which is the single biggest cause of home loan delays. We check the list before you fix a booking date.
Is the digital sanction real or just an in-principle number?
For existing customers it is a genuine credit decision built on data the bank already holds. For a new applicant it is closer to an indicative offer that still needs documents. We tell you which one you are looking at.
Can I get a working capital line as a small business?
Yes, if your accounts are audited and your banking is consistent. The programmes here are structured rather than discretionary, so the fit is usually clear before we apply.
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